Pick the conversation that fits where you're at. Every one of them is a free, no-obligation chat with me directly — no application, no credit check, and no pressure to do anything afterwards.
I work with a lot of self-employed and complex-income clients, and many of them come to me after being told no somewhere else. Often the answer is yes — it just needs to be put together properly.
You have a question and want a real answer.
Every loan conversation starts with the same two words: can I? Can I buy, can I refinance, can I borrow what I need with the way my income looks. Twenty minutes, no application, no credit check, no cost.
You owe the ATO and you want it cleared.
You’ve probably been told to clear the debt first, which is exactly the problem. In 15 minutes you get a straight answer on whether your tax debt can be paid out, roughly what it would cost and how long it would take. Nothing is lodged and nothing touches your credit file.
You want to buy your first home and need a path to it.
Nobody teaches you this part. Thirty minutes to ask everything: deposit, grants, HECS, what you can actually borrow and what has to happen between now and offer day. If you’re not ready yet, you’ll leave knowing exactly what needs to change.
You already have a loan and want it checked.
Loans age. Life changes. Thirty minutes to look at the one you’ve got and check whether it still suits the life you’re living now: rate, structure, repayments, and whether moving is worth the effort.
You’re separating and the house is part of it.
Separating is hard enough without the loan questions on top. Forty-five minutes, no application, no judgement, just clear answers on whether you can keep the house, what refinancing on one income looks like and what your options are if you can’t.
One question, and you want it answered today.
Sometimes you don’t need a whole session. Fifteen minutes for the one thing you need cleared up: a document, a rate, a lender question, or something you’ve been told and want a second opinion on.
Not sure which one? Book The Can I? Call — it covers everything, and if we need longer we'll simply book more time. Where it makes sense, the next step after that is a full Strategy Session, which I'll send you an invitation to. Or call me on 1300 100 262.
Cass Connolly — founder, Your Mortgage Coach. With over 30 years in finance and lending, Cass specialises in self-employed, sole trader and complex-income clients: the files with messy BAS, uneven years, trust and company structures and tax debt on the ledger. Based on the Sunshine Coast, working with clients right across Australia.